Public Works cleanup site — Restorical Research
DKJ Food Mart
Everett, Snohomish County
Restorical Research
Preliminary Site-Specific Analysis

This property has a documented history as a public works and maintenance facility going back to 1931. Historical insurance policies issued during those prior operations and through 1986 could fund a cleanup.

This property served as a Snohomish County road maintenance shop from 1931 until the mid-1960s, accumulating petroleum contamination consistent with decades of vehicle and equipment servicing. Cleanup efforts to date have included demolition of a site building and excavation of over 2,670 cubic yards of TPH-impacted soil in 2000, followed by removal of an additional 410 tons of contaminated soil in 2005, with both batches treated by thermal desorption. The site remains in the Standard Cleanup program with further remediation anticipated. That history could support an insurance cost recovery claim against carriers who issued insurance policies 40+ years ago.

Former Use
Former Public Works
AddressEverett, Snohomish County
Historical UsePublic Works
Est. Operating Since1931
StatusAwaiting Cleanup
Contamination & Investigation
Site Assessment Summary
ContaminantsPetroleum hydrocarbons (TPH-G, TPH-Dx) detected in soil
Media ImpactedSoil, Groundwater
Regulatory ProgramMTCA — Standard Cleanup
Ecology Site #3504

Why Historical Insurance Policies May Be Accessible

Pre-1986 Commercial General Liability (CGL) policies were occurrence-based and did not contain an effective pollution exclusion in Washington. If contamination occurred while those policies were active, those historical insurance carriers may still have a legal obligation to fund the cleanup costs, even if the business closed or the property changed hands.

The cleanup costs this property still faces — additional investigation, remedial design, and any further soil or groundwater work — could plausibly be funded by the historical carriers who insured Snohomish County's operations at this facility during its 1931-to-mid-1960s active period, when occurrence-based CGL policies were standard. The petroleum contamination documented here traces directly to those decades of county road-maintenance activity, and the remediation expenditures already incurred — large-scale excavation, thermal desorption, building demolition — further establish the magnitude of the loss those same policies may be obligated to cover.

Restorical's role is to locate viable historical policies, determine whether a successful coverage claim is possible, and assist our clients and their legal counsel to obtain insurance coverage. Restorical then manages the claim, including accounting, to ensure the cleanup is funded in a timely manner.

What We Look For

  • Historical insurance policies (pre-1986)
  • Policy numbers, carrier names, and coverage periods
  • Connection between contamination timing and policy period
  • Evidence linking cleanup obligation to insured activity

What We Deliver

  • Historical Coverage Chart
  • Trigger Analysis & Property/Policy Nexus
  • Coverage strategy with recommendations
  • Insurance funding for your remediation
  • Claims Management & Forensic Accounting

The Restorical Proven Process

Task 1 — Research and Analysis
Restorical searches for viable historical insurance policies, researches the site history, analyzes the contamination impacts, and underwrites potential coverage — including a proprietary trigger analysis. At the end of Task 1, we provide a clear yes or no on whether a successful cost recovery is possible, along with a strategy and recommendation specific to your situation, even if you are not the policyholder.
Task 2 — Coverage and Funding
When Task 1 confirms viable coverage, Restorical works with your legal counsel to tender the claim, negotiate and secure insurance coverage. Restorical will manage the ongoing claim process, including accounting to ensure the insurance companies are funding your remediation in a timely manner.

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This analysis is preliminary and based on publicly available records. Restorical Research is not a law firm and does not provide legal advice.